About
About CarPaymentNow
CarPaymentNow is a free auto loan calculator built for car buyers who want to know their exact monthly payment — including taxes — before they walk into a dealership.
Why we built this
Car dealerships are experts at making monthly payments seem affordable while obscuring the total cost of a loan. A longer term means lower payments but thousands more in interest. A trade-in with negative equity quietly inflates your new loan. State sales tax can add $1,500–$3,000 to the amount you finance.
CarPaymentNow puts those numbers in front of you — clearly, instantly, free — before any negotiation starts.
What we offer
Auto Loan Calculator →
Monthly payment with sales tax for all 50 states, trade-in support, and term comparison across 24–84 months.
Refinance Calculator →
See exactly how much you'd save refinancing — new payment, monthly savings, and break-even point.
Lease vs Buy Calculator →
Compare the true 5-year cost of leasing versus buying, with money factor and residual value inputs.
Part of a calculator portfolio
CarPaymentNow is part of a family of free financial calculators:
How we're funded
CarPaymentNow is free to use with no sign-up required. We earn a small commission when visitors click affiliate links to partner lenders and insurance providers. This never affects our calculator results or the rates we display. See our Privacy Policy for full details.
Contact
Questions, feedback, or partnership inquiries: hello@carpaymentnow.com